At Energy Credit Union, every member gains with our great rates. We are committed to offering the highest possible interest on savings, checking and investment products and competitive rates on loans and mortgages.
 

Mortgages & Real Estate Loans

Rates are effective as of January 2, 2010. Rates are subject to change without notice.

*APR = Annual Percentage Rate.
+ Sample payment information for home improvement loan: The cost of $1,000 borrowed for 20 years at 8% is $8.36 per month.

++Sample payment information for home equity loan: The cost of $1,000 borrowed for 10 years at 5.49% is $10.85 per month.

** The prime rate is the Wall Street Journal prime rate as of the last business day of the month. Sample Payment information for a Home Equity LOC: A loan with a principal balance of $10,000 at 2.25% (prime -1%) would require a payment of $150 with approximately $19.22 applied to interest and $130.78 applied to principal in a 31 day month.

Consumer Loans & Vehicle Loans

Rates are effective as of January 2, 2010. Rates are subject to change without notice.

* APR is Annual Percentage rate.

**Repayment amounts will vary depending on the term. This example is estimated for the maximum term.
 

Savings & Checking

Rates are effective as of January 2, 2010. Rates are subject to change without notice.

*APY = Annual Percentage Yield.
**Minimum balance of $10 is required to earn the advertised APY for NOW, Vacation, and Holiday Accounts.

As in the case of all credit union accounts, the amount on deposit is fully insured up to the legal limitations. The first $250,000 is insured by the National Credit Union Share Insurance Fund (NCUSIF). In addition, IRA deposits are insured separately under NCUSIF up to $250,000. NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government. In addition to being federally insured, any amount on deposit exceeding $250,000 is insured in full up to the legal limitations by the Massachusetts Share Insurance Corporation (MSIC).

Please see our Truth in Savings disclosure statement for more information about deposit accounts.
 

Certificates of Deposit (CDs)

Rates are effective as of May 4, 2010. Rates are subject to change without notice.

*Annual Percentage Yield (APY) assumes principal and interest remain on deposit for one year and the rate to be the same at each renewal period. Interest is compounded and paid monthly. There is a substantial penalty for early withdrawals on Certificates.

As in the case of all credit union accounts, the amount on deposit is fully insured up to the legal limitations. The first $250,000 is insured by the National Credit Union Share Insurance Fund (NCUSIF). In addition, IRA deposits are insured separately under NCUSIF up to $250,000. NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government. In addition to being federally insured, any amount on deposit exceeding $250,000 is insured in full up to the legal limitations by the Massachusetts Share Insurance Corporation (MSIC).
 

Please see our Truth in Savings disclosure statement for more information about deposit accounts.

Individual Retirement Accounts (IRAs)

Rates are effective as of May 4, 2010. Rates are subject to change without notice.

*Annual Percentage Yield (APY) assumes principal and interest remain on deposit for one year and the rate to be the same at each renewal period. Interest is compounded and paid monthly. There is a substantial penalty for early withdrawals on Certificates.

As in the case of all credit union accounts, the amount on deposit is fully insured up to the legal limitations. The first $250,000 is insured by the National Credit Union Share Insurance Fund (NCUSIF). In addition, IRA deposits are insured separately under NCUSIF up to $250,000. NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government. In addition to being federally insured, any amount on deposit exceeding $250,000 is insured in full up to the legal limitations by the Massachusetts Share Insurance Corporation (MSIC).

Please see our Truth in Savings disclosure statement for more information about deposit accounts.